The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,430
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,625
−HK$1,215/mo
Today · 4.125%
HK$40,840
baseline
▲ 0.50% · 4.625%
HK$43,325
+HK$2,485/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,680/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,753
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,899
−HK$1,163/mo
Today · 4.125%
HK$45,062
baseline
▲ 0.50% · 4.625%
HK$47,438
+HK$2,376/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,124/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,116
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,550
−HK$1,457/mo
Today · 4.125%
HK$49,007
baseline
▲ 0.50% · 4.625%
HK$51,989
+HK$2,982/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$98,014/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,303
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,679
−HK$1,396/mo
Today · 4.125%
HK$54,075
baseline
▲ 0.50% · 4.625%
HK$56,925
+HK$2,850/mo
Deposit HK$6.74M · loan HK$10.11M · min. income ≈ HK$108,150/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,802
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,475
−HK$1,700/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,654
+HK$3,479/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,854
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,459
−HK$1,628/mo
Today · 4.125%
HK$63,087
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,326/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,174/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,173
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,325
−HK$2,186/mo
Today · 4.125%
HK$73,511
baseline
▲ 0.50% · 4.625%
HK$77,984
+HK$4,473/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,022/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,955
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,019
−HK$2,093/mo
Today · 4.125%
HK$81,112
baseline
▲ 0.50% · 4.625%
HK$85,388
+HK$4,276/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,224/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,996 · Scale 2, in force from 26 Feb 2026)